Bethesda, MD Car Insurance

What should residents of Bethesda expect to pay for their car insurance? Are rates in Bethesda higher or lower than those in neighboring areas? How do they compare to the rest of Maryland? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Bethesda?

As you can see in the chart above, it is around $52 a month cheaper to insure your vehicle in Bethesda than it is in the rest of Maryland.

When stacked up against the national average, the average monthly policy payment for Bethesda is more affordable. It's about $11 cheaper than the national average to insure your vehicle in Bethesda.

Although these are the average rates for auto insurance in Bethesda, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Bethesda so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay $45 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Bethesda.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. In Bethesda, the difference comes out to about $5 per month. As you can see in the chart above, car insurance for women in the area typically costs around $67 each month, while men pay $72 on average.

Average Auto Insurance Rates by Driving Record

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Bethesda with a single accident will pay around $85 a month. Similarly, drivers with one ticket will typically pay around $87 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

In Bethesda, the cheapest vehicles to insure are typically SUVs, with drivers paying around $65 per month to insure their vehicle.

Meanwhile, Bethesda drivers who own a car, truck, or van, can expect to pay about $71 for insurance coverage.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Bethesda are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

On average, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Bethesda follows that pattern, with the difference totaling to around $15 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. Drivers who own property in Bethesda can expect to pay around $13 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Bethesda, MD

Recent trends in car insurance for Bethesda drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

Car insurance rates in Bethesda decreased from 2017-2018, and again, from 2020-2021. Insurance rates finished up in 2022, at $102 a month.

How does Bethesda compare to neighboring areas?

Why are car insurance rates in Bethesda different from other areas?

When considering how much to charge for coverage, car insurance companies will review a lot of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:

• Amount of off-street parking
• Total number of drivers in the region
• Rate of crime
• General road safety (how many accidents each locality has)
• Local laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Bethesda?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Bethesda.

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Bethesda Insurance FAQs

What factors affect car insurance quotes in Bethesda?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Bethesda different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Bethesda?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Bethesda?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Bethesda or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.